---
schema_version: "secwatch.filing_event.v1"
accession: "0001423869-22-000029"
form_type: "8-K"
ticker: "PCB"
cik: "0001423869"
company_name: "PCB BANCORP"
filed_at: "2022-10-27T23:59:59+00:00"
generated_at: "2026-06-22T23:56:07.878140+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# PCB Bancorp Q3 net income $7.0M ($0.46 EPS) down 23% QoQ; dividend $0.15

## Summary
- Net income $7.0M ($0.46 diluted EPS) vs $9.1M ($0.60) in Q2 2022 and $11.0M ($0.73) in Q3 2021.
- Net interest income $24.0M, NIM 4.25% (up 24bp QoQ); loans held-for-investment grew 6.9% QoQ to $1.96B.
- Provision for loan losses $3.8M (vs $(109K) in Q2 2022); net charge-offs $1.1M.
- Quarterly dividend of $0.15/sh, payable Nov 18, 2022 to holders of record Nov 10, 2022.
- Bank renamed to PCB Bank; opened 2 new branches in Dallas, TX and Palisades Park, NJ.

## SEC filing metadata
- accession: 0001423869-22-000029
- form_type: 8-K
- ticker: PCB
- cik: 0001423869
- company_name: PCB BANCORP
- filed_at: 2022-10-27T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1423869/000142386922000029/0001423869-22-000029-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1423869/000142386922000029/pcb-20221027.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001423869-22-000029
- JSON: https://secwatch.observer/filing/0001423869-22-000029.json
- Plain text: https://secwatch.observer/filing/0001423869-22-000029.txt

## Key facts
- Earnings Releases
  PCB BANCORP reported the third quarter of 2022 results: net income $7.0 million, EPS $0.46 per diluted common share.
  - Period: the third quarter of 2022
  - Net income: $7.0 million
  - EPS: $0.46 per diluted common share
  - Result: reported results
  source text: PCB Bancorp Reports Earnings of $7.0 million for Q3 2022 Los Angeles, California - October 27, 2022 - PCB Bancorp (the “Company”) (NASDAQ: PCB), the holding company of PCB Bank (the “Bank”), today reported net income of $7.0 million, or $0.46 per diluted common share, for the third quarter of 2022, compared with $9.1 million, or $0.60 per diluted common share, for the previous quarter and $11.0 million, or $0.73 per diluted common share, for the year-ago quarter.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1423869/000142386922000029/0001423869-22-000029-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.